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MLO Pre-Licensing Education and Examination


Prior to applying for a MLO license, the applicant must first complete 20 hours of NMLS approved licensing education and pass the two-part S.A.F.E. Act Mortgage Loan Originator exam.

Qualifying Education Includes:

  • 3 hours of federal law and regulations;
  • 3 hours of ethics (fraud, consumer protection, and fair lending issues);
  • 2 hours of lending standards for the nontraditional mortgage product market; and
  • 12 hours of electives.

Click here to go to the NMLS website for more information on Pre-Licensure Education


After completing 20 hours of education, applicants must also pass a two-part exam established by the Nationwide Mortgage Licensing System and Registry. The two-part exam is composed of a national test and a state test. The national portion consists of 125 questions and the state portion consists of 65 questions.

Examination Notice

You must complete the 20 hours of education before taking the S.A.F.E. Act Mortgage Loan Originator exam.

To schedule a test go to www.prometric.com/nmls or call 1-877-671-6657.

For more information on the NMLS testing Click Here.

Upcoming UST Adoption

The Board of Mortgage Loan Originators plans to adopt the Uniform State Test in the future. Until then, new applicants must take the Colorado specific exam.



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